RTP® Instant Payment Solution for A2A, B2B, B2C, and C2B Transactions
TodayPayments.com empowers financial institutions, merchants, and platforms with secure RTP® Instant Payment Solutions that enable real-time settlement, API and batch compatibility, and full ISO 20022 compliance—optimizing every payment flow.
TodayPayments.com positions RTP® as the modern financial rail of choice for digital-first enterprises, banks, and credit unions. We deliver plug-and-play integrations for RTP® payments across A2A, B2B, B2C, and C2B flows—via file uploads, mobile invoicing, and real-time APIs. Our platform is built for speed, transparency, and certainty—designed to fit your business needs in an always-on economy.
What Is RTP® and Why It Matters to Businesses?
Real-Time Payments for a Real-Time Economy
As global commerce accelerates, businesses and consumers demand faster, more reliable payment processing. With RTP® (Real-Time Payments), you gain an instant payment solution for A2A (Account-to-Account), B2B, B2C, and C2B transaction types—delivering final settlement in seconds, 24/7/365. Unlike traditional ACH or card networks, RTP® ensures good funds with no chargebacks, no waiting, and no uncertainty. From invoicing to refunds, payroll to vendor payments, RTP® simplifies how money moves.
RTP® is the real-time payment network operated by The Clearing House, enabling secure, irrevocable fund transfers in under 10 seconds.
It powers:
- A2A transfers between personal or business accounts
- B2B supplier payments and settlements
- B2C disbursements for payroll, rebates, and claims
- C2B bill pay, utilities, and mobile payments
Unlike other rails, RTP® guarantees:
- Immediate availability of funds
- No reversals or chargebacks
- Always-on access—24/7/365
- ISO 20022 metadata support for reconciliation and audit compliance
RTP® Parameters, Attributes, Benefits & Features
✅ Core Parameters
- Network Operator: The Clearing House (TCH)
- Payment Types Supported: A2A, B2B, B2C, C2B
- Settlement Time: Instant (under 10 seconds)
- Transaction Model: Credit push only
- Availability: 24/7/365 including holidays
- Message Standard: ISO 20022 (XML, JSON, Excel support)
- RfP Support: Yes, including mobile and SMS triggers
✅ Key Attributes
- Irrevocable real-time settlement
- Mobile invoicing and Request for Payment (RfP) support
- ISO 20022 batch upload file support for mass payments
- Rich remittance detail for seamless reconciliation
- Works with banking platforms, ERPs, and payment gateways
✅ Business Benefits
- Speeds up cash flow and working capital
- Eliminates return, fraud, or chargeback risk
- Enables recurring or one-time billing automation
- Improves consumer experience with immediate confirmation
- Drives operational efficiency and reduces dependency on ACH or card processors
ISO 20022 Messaging & File Upload Specifications
Banks, credit unions, and platforms can upload RTP® transactions via ISO 20022-compliant file formats, allowing high-volume or automated workflows.
Accepted formats:
- Excel (.xlsx) — simple batch entry
- XML (ISO 20022) — fully structured payment metadata
- JSON — real-time integrations via API
Batch uploads support:
- A2A real-time fund transfers
- B2B vendor settlements
- C2B digital invoice collections
- Recurring payments with certainty and traceability
These files can include:
- Amount, date, account details
- Purpose codes and remittance data
- Optional RfP with due dates, references, and auto-reminders
✅ Ask us How:
- Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B using Instant Payment Solution provides secure, real-time payment processing and immediate settlement for businesses and consumers, optimizing cash flow and eliminating chargebacks across all RTP® transaction types.
- Upload ISO 20022 batch files in Excel, XML, or JSON to send real-time RTP® payments through participating financial institutions.
- TodayPayments.com supports RTP® RfP invoicing for businesses to request payment via SMS, email, or mobile app.
- With RTP®, businesses benefit from instant settlement, zero chargebacks, and finality of funds—all compliant with ISO 20022 metadata standards.
- RTP® Instant Payment Solution empowers companies to automate A2A transfers, subscription billing, vendor payouts, and more in real time.
Activate RTP® Real-Time Payments with TodayPayments.com
Whether you're moving money between accounts, paying vendors, or billing consumers, RTP® gets it done instantly, securely, and with full certainty.
With TodayPayments.com, you unlock:
- ✅ Instant settlement with no chargebacks
- ✅ ISO 20022-compliant upload tools
- ✅ A2A, B2B, B2C, C2B compatibility
- ✅ 24/7 access to real-time good funds
- ✅ RfP invoicing + mobile delivery options
Modernize your payments and improve
your bottom line today.
Visit
https://www.TodayPayments.com to activate your
RTP® Instant Payment Solution and take control of your
cash flow in real time.
Creation Request for Payment Bank File
Enhance Your Instant Payment Solution Payment Requests with FedNow’s ISO 20022 Messaging
Streamline Payments with Advanced Request for Payment Options:
Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.
Flexible Invoice Details with ISO 20022 Messaging:
Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website "Your Website" - Hosted Payments Page or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.
Customizable Merchant Pages for Enhanced Customer Experience:
Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.
Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.
Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.
... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of
Same-Day ACH and Real-Time Payments funding. Our business clients receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.
Contact Us for Instant Payment Solution payment processing pricing
